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The 8 Steps Of Credit Card ProcessingIt all happens in just a few seconds, but processing a payment from a credit card is surprisingly complicated and involves a lot of companies and organizations that each take their own piece of the total payment.  If you ever wondered what happens when a customer swipes or inserts their card, here it is from start to finish.

However, it’s important to note that payment authorizations aren’t the same as the payments themselves.  A merchant only gets their money when they send a batch of authorizations out all at once, usually at the end of the business day.  This is to keep the payment process simple, so don’t panic if you don’t see your business account go up immediately after a big sale.

The reason merchant processing companies and card associations like Visa both ask for transaction fees is to make these connections possible and keep things going as fast as today’s customers and merchants demand.  So when you look for a company to handle your processing, make sure you choose one that can get you both consistently low fees and fast access to every payment method your customers use.

Posted in credit card processing on Jul 25, 2019